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The Retirement Conversation Couples Keep Avoiding
As financial professionals, we spend much of our time helping our clients prepare for retirement. By the time most of our clients are within a few years of retirement, their savings are there, their investment accounts are in order,...
Read MoreContinuing Care Retirement Communities: What They Cost, How They Work, and When to Start Preparing
Why Is This Conversation So Important Right Now? The U.S. is in the middle of a sustained demographic shift. More than 61 million adults are aged 65 and older as of 2025, and that number is projected to reach approximately 82 million...
Read MoreWhen Should I Start Taking Social Security: 5 Factors to Consider
Social Security decisions are often framed as a single question: “When should I start drawing benefits?” That question matters, but it can also be limiting. The better question is: how does Social Security fit into my overall...
Read MoreHistory does not repeat itself
“History does not repeat itself, but it often rhymes.” Mark Twain Current conditions We have been talking to clients for the past year about the historically narrow advance of the market that has been driven by the excitement around...
Read MoreSecure Act 2.0 Overview
In the final days of 2022, Congress passed a new set of retirement rules designed to facilitate contribution to retirement plans and access to those funds earmarked for retirement. The law is called SECURE 2.0, and it is a follow-up to...
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Things That Matter & Things That Don’t
When describing our investment process to new or prospective clients, we emphasize that we work very hard to control those variables that we can – at least partially – control: expenses, tax efficiency, and managing volatility....
Read MoreBlack Swan
An unpredictable or unforeseen event, typically one with extreme consequences. The market sell-off of the past few weeks, sparked mainly by the Corona Virus, has tested the most disciplined of investors’ resolve to stay the course. We...
Read MoreGroundhog Day
In the 1993 comedy starring Bill Murray, a weatherman finds himself living inexplicably the same day over and over and over again. As we make our regular calls to clients, we feel like we are delivering the same message over and over...
Read MoreDecember 2018
“LOOK AT MARKET FLUCTUATIONS AS YOUR FRIEND RATHER THAN YOUR ENEMY; PROFIT FROM FOLLY RATHER THAN PARTICIPATE IN IT” ~ WARREN BUFFETT The biggest challenge for long-term investors is seeing past short-term market noise. This was summed...
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